Thursday, June 27, 2013

Building a house with a swimming pool is no longer a
luxury nowadays. With its feasible function as well as its financial advantage,
swimming pools are now considered as hot portion of a house.

Experts say that the presence of swimming pools in
homes create a higher market value, bringing homes at a greater perspective. No
wonder why homes with swimming pools that are on resell have higher resale
values compared to those that do not have pools.

For this reason, more and more people are now opting
to build or refurbish swimming pools in their homes. In a survey, 8 out of 10
respondents have stated their desire to build or renovate swimming pools.

However, the process could be very tricky and the
financing ability of the homeowner is such a big issue. Building a swimming
pool is not such an easy task and requires a lot of tools, materials, and labor
force. Hence, there is usually a big amount of money involved.

If you cannot afford to pay the expenses in building
or renovating a swimming pool, it is best that you get swimming pool loans.

Swimming pool loans fall under the category of home
improvement loans. These loans are usually used to add value to a certain
house. Hence, the resale value becomes higher and more profitable for resell.

However, getting a swimming pool loan is not that
easy. Loans are one of the most sensitive money matters and must be dealt with
accordingly. Hence, it is important to know the basic rules and tips in getting
swimming pool loans to avoid financial problems.

Here is what you need to do:

1. Do your homework

Remember that not all swimming pool loans are created
equal. Most of all, loan quotes are not provided in the same context in all
situations and in all companies. It is imperative that you personally get in
touch with your contractor and ask them the possible quotes for the
construction or renovation of swimming pools.

The point here is to get as many quotes as possible.
This will make your budgeting easier to deal with. It gives you a generalized
scenario of the market. In this way, you will be able to deal with the matters
as professionally as possible.

Also, it is imperative that you know the lending
institution that you will approach. Check on the background information of the
company. How long have they been on the business? Are they worth your time and
effort?

2. Look for lower interest rates

Most private lenders that can provide you swimming
pool loans, their interest rates can be astronomical. When opting for lower
interest rates, financial experts suggest that you compare the interest rate
and swimming pool loan tenure offered by your lending company.

The concept is that if your loan is extended over a
longer period in years, then your monthly amortization is lower, but the
interest is higher.

3. Collateral matters

Most lending companies are particular with three main
factors before they can grant you with loans such as swimming pool loans.
Factors like the collateral, ability to pay, and the borrower's character.

Among the different lending companies, banks are the
ones that are very particular with character. Some may have the capacity to pay
but many may not be of good character. Collateral is another issue. Not any lot
will do. The location has to be considered.

4. Read the fine print

An important reminder of all: Read the fine print
before signing. Things to look out for: high interest rates, pre-payment
penalties, and balloon payments. These are all adding up to bury you further
into debt.

5. Capacity to pay the loan

Experts suggest that you borrow money only if you have
plans of selling the house together with the swimming pool of course in the
future. This is because home improvements such as swimming pools add up to the
resale value of the whole estate.

So before you get a swimming pool loan, make an
assessment first. If your cash flow or even your future profit taken from the
resale value of the house is higher than the interest rate, then go ahead and
borrow.

So the point in swimming pool loans is to know exactly
where you are heading. You do not just borrow because you need a swimming pool.
You should also take into consideration its future stake.

6. If possible find a broker with experience in home
improvement loans and swimming pool financing. A bank equity loan is not the
same as a this type of loan and will almost certainly cost you more.

Thursday, June 20, 2013

In order to control the
heart rate in aqua fitness, it's important to keep the blood flowing between
exercises by stretching and walking aroundClick on the video below and learn the best way to complete a good water work out.

Thursday, June 13, 2013

Michael Wellingsley enjoys sharing what he has learned through his years of
working with and reading about swimming pools.

When the installation of a swimming pool is being
considered, you should know that the total swimming pool cost will be affected
by many variables. You should prioritize what you are looking for in a swimming
pool and follow this list accordingly. In ground swimming pool installations
are much more expensive than setting up an above ground pool, but even the less
expensive above ground option will have costs hidden within it.

In ground swimming pool installations will almost
always carry a high price tag. Labor and planning are huge considerations when
contemplating an in ground pool installation. The cost of an in ground pool can
fluctuate greatly depending on the state of the economy and considerations such
as material and labor costs..

Overall, an above ground pool installation will save
you money compared to going with the in ground option. The swimming pool itself
will certainly cost a lot less. Watching for swimming pool sales at the
beginning and end of the swimming season is always a wise idea if you are not
in a hurry to get your swimming pool up and running.

It is vitally important to move quickly on end of
season swimming pool sales. Stock is usually limited to the pools they want to
get cleared out. If you plan on looking for early season sales, you should also
move quickly, but do not without careful consideration of your purchase.

A pool installation, just like any major project, will
have its share of hidden costs. Installing an above ground pool can involve a
fair bit of expense devoted to preparing the area where the pool will be
located. Excavation my be needed and that cost can vary quite a bit depending
on your area. Leveling the area is a vital step however, that must never be
skipped.

It cannot be stressed enough that after choosing the
pool site, the area being prepared must be made level. The money you spend on
getting this part right will help you have peace of mine later. If you have
connections within the excavating business, you may be able to save some money
on this requirement, but always make sure the site is truly level..

One area where you should definitely hire a
professional is the running of electricity to your swimming pool. Amateurs
should not even think about attempting this part of the preparation.. Call for
as many estimates as you can in order to save some money. This is an important
safety measure that should be a priority during an installation of above ground
pools.

Getting several bids and shopping around for specials
are key to helping to deal with the hidden costs of installing a swimming
pool.. No matter how tight the money, is when you are getting your pool
installed, you should always keep safety a top priority. By comparing competing
bids and looking for specials and sales, you can save yourself a good bit of
money and avoid hidden costs.

Michael Wellingsley likes sharing his knowledge
about swimming pools. You can read more about pool expenses by visiting his new website about swimming pools.

Thursday, June 6, 2013

Video
for families of children with special needs highlighting water safety tips from
safekids.org

All children have needs but children with disabilities often have special needs .......which means they need a little more help or a special device. Attached below is a video about teaching children with special needs to swim. They have 3 easy steps to follow. Please click on the link below and learn and enjoy.